ATV Insurance Take a ride on the safe side

Save an average of $200 on your ATV insurance.1

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Why take out insurance on your ATV? By covering your civil liability (mandatory!) and with our inclusions, like $2,000 in coverage for equipment and accessories, you can tame any terrain.

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Decreasing deductible
Your claim-free years rewarded

Your deductible drops $50 with each claim-free renewal. It's our way of saying thanks for your loyalty.

On-demand insurance
Just looking for ATV insurance? Sure thing.

We’ll be happy to insure your ATV even if you don't take out car insurance with us. But remember, ​bundling several products saves you money!

Sweet Deals

Save $600 on average

When you bundle your home, car or recreational vehicle insurance!2

Exclusive 40% discount

On Airmedic coverage for all Beneva clients

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Free legal assistance

Need legal advice? Our lawyers are just a phone call away!

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Flexible payment options

Split your premium into several installments—no interest, no fees!

Exclusive advantages

Are you between the ages of 20 and 30, have a young family, or are you a public sector employee or retiree?

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ATV insurance that goes the distance

The basics Hit the trails with solid coverage...

like our popular and comprehensive two-way insurance.

This insurance is mandatory. It provides coverage if you cause damage to others with your ATV, or, if your vehicle is damaged in an accident where you are not at fault.

Even in the case of an ATV, you can add coverage to protect your vehicle from any damage it may incur:

  • If you lose control or collide with another ATV
  • In the event of fire, theft or vandalism

Good to know: Some of these coverages may be required if you get financing for your quad.

Insuring your quad or 4-wheeler with us means you get $2,000 worth of free coverage to protect your gear and accessories.

Your options …with a choice of add-ons to cover more ground.

Replacement cost coverage3

Up to 3 years of replacement cost coverage for a ​​​​reimbursement that doesn’t factor in your ATV’s depreciation.

Partial loss? We’ll replace parts that can’t be repaired with new ones.

Total loss? You get the lesser of the following amounts: the price of a new ATV with similar features, equipment and accessories, or the purchase price of the insured vehicle.

$0 deductible

With this coverage, you don’t pay a deductible in the event of a claim—a clever way to stay ahead of unexpected expenses.

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Property and casualty insurance is underwritten by Beneva Insurance Company and distributed by Beneva Inc., Damage Insurance Agency and its authorized partners. At all times, terms and conditions pertaining to coverage are governed solely by the insurance contract. Certain conditions and exclusions apply.

1. Average savings based on a SOM survey done from May 2020 to May 2021 and calculated using the declared amounts of respondents who benefited from savings on their ATV insurance. This amount is for information purposes only and does not guarantee savings.

2. Average savings based on data from a survey conducted after the purchase of a Beneva property and casualty insurance policy—between September 1, 2023, and October 18, 2024—and calculated from the amounts reported by respondents who benefited from annual savings by bundling at least two insurance products. This amount is for information purposes only and does not guarantee savings.

3. Replacement cost coverage for ATVs is different from replacement cost coverage for cars. Ask one of our insurance agents for more information.